Steven J Larena, Public Insurance Adjuster
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Steven J Larena, Public Insurance Adjuster
When you have an insurable loss, your policy states that it's your responsibility to document your damage. It can be very overwhelming to try and focus on all the insurance policy guidelines and requirements needed to properly present your insurance claim. That's where we can help. It's not up to your Insurance Company to prove your loss. The burden is on you.

You can choose to sit back and let your carrier send their adjusters out to assess your damage, but whose interest are they really looking out for? If you own a home or business and you incurred damage, you need to have a personal Insurance Adjuster on your side to ensure you receive the maximum benefits your policy has to offer. With over 30 years experience with insurance repairs, we're not only knowledgeable with the costs for your repairs, but also the necessary methods required in making these repairs properly.

We will thoroughly document your damage, and as your legal representative, present your claim and negotiate with your insurance carrier for a favorable settlement.
Services
When you have a loss, through your homeowners insurance, your 1st thought is to call your insurance company or agent to get immediate help.
What will happen when you call them is you will initially be given a "Claim Number".
Your claim will then be assigned to an insurance company adjuster who will call you and set up an appointment to inspect your damage.
When he gets there, and depending on the severity of your loss, he may issue an advance payment to cover some immediate expenses for clothing.
There are numerous causes of both Residential and Commercial Fires.
They can start from electrical problems, lightening strikes, cooking, machinery and equipment malfunctions, faulty wiring, power surges, carelessness and accidental causes to name a few.
Some causes may ultimately be classified as "Undetermined".
Most causes are covered under both standard Homeowner and Business policies; however they must be accurately documented.
Besides the structural portion, there are also contents that must be addressed.
My wife and I found ourselves in a very difficult situation with severe damage to our barn which housed our horses.
Thankfully I found Mr. Larena and he stepped up and helped us to resolve it.
Putting in a claim to your homeowners insurance can be a very stressful, difficult and confusing time and he streamlined and simplified the process for us while making sure our pets were taken care of during rebuild process.
After extensive snowstorm damage to our home, I was too overwhelmed to deal with our insurance company and the numerous contractors that would have to be involved.
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